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WHY HFCU?

Customized Loans To Your Need

Flexible payment options - weekly, biweekly or monthly. Finance up to 120% of purchase price including sales tax and warranty. Get the same rate on new or used cars.

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Credit unions are not-for-profit financial institutions, which means all profits are returned to members by way of lower fees and loan rates. Rates at credit unions tend to be lower than at banks, and a lower rate can save you hundreds – even thousands – of dollars in interest payments over the life of the loan.

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Loan Rates

Table data for New and Used Car Loan Rates
Rates effective 08-10-2025
	Annual Percentage Rates (APR) as low as:¹	Payment per $1,000²	Alert Me
Up to 24 Months	5.74%	$44.20	Receive a notification when this rate changes

25 to 36 Months	5.74%	$30.30	Receive a notification when this rate changes

37 to 48 Months	5.74%	$23.37	Receive a notification when this rate changes

49 to 65 Months	5.94%	$18.03	Receive a notification when this rate changes

66 to 75 Months	6.44%	$16.23	Receive a notification when this rate changes

76 to 84 Months	7.49%	$15.33	Receive a notification when this rate changes

Apply now			Receive a notification when this rate changes

Bi-weekly payments are available. Maximum loan to value for vehicle loans is 120% for members with the best credit profile. Hanscom FCU offers a 0.25% discount for loans on new and used vehicles (excluding motorcycles) to current active duty members in the U.S. Military and First Responders. Current active duty members in the United States Uniformed Services (Army, Navy, Air Force, Marines, Space Force, Coast Guard, National Guard, NOAA Commissioned Corps and Public Health Service Commissioned Corps) First Responders would be defined as follows: Paid or volunteer Firefighters, Police Officers (including Sheriffs and Sheriff's Deputies, Correctional Officers, State Troopers, Federal Law Enforcement Officers and Campus Police), EMTs, Paramedics and 911 Dispatchers
¹APR=Annual Percentage Rate. Rates shown are the lowest possible rates currently offered. Other rates are available, based on your credit profile and loan terms. ↵ ²Repayment amounts will vary depending on the term. This example is estimated for the maximum term. ↵

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Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

FIRST RESPONDERS & ACTIVE DUTY DISCOUNTS

First Responders & Active Duty Discounts

Your service to our country and community means so much to us. For your dedication and patriotism, we extend the following discounts to you.

0.25% rate reduction on personal automobile loans
$500.00 closing cost discount when closing a first mortgage loan

First Responders would be defined as follows:
Paid or volunteer Firefighters, Police Officers (including Sheriffs and Sheriff's Deputies, Correctional Officers, State Troopers, Federal Law Enforcement Officers and Campus Police), EMTs, Paramedics and 911 Dispatchers

Current active duty members in the United States Uniformed Services (Army, Navy, Air Force, Marines, Space Force, Coast Guard, National Guard, NOAA Commissioned Corps and Public Health Service Commissioned Corps)